Refinance lenders in Pennington County, South Dakota
Fat Boy Data analyzed mortgage refinance activity in Pennington County, South Dakota, home to Rapid City, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 996 applications were decided by 81 lenders between 2023 and 2025.
Pennington County at a glance
How Pennington County compares
What the data shows
Black Hills Federal Credit Union made the most mortgage refinances in Pennington County, SD, 220 of them.
That is 29% of every mortgage refinance originated here, so this market is unusually concentrated in one lender.
Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 97% of 70.
The typical mortgage refinance here is $275K, 28% larger than the South Dakota typical of $215K.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Refinance lenders in Pennington County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Black Hills Federal Credit Union | 78% | 227 / 291 | 97% | $105K | 220 |
| 2 | Cmg Mortgage, Inc. | 94% | 74 / 79 | 92% | $315K | 68 |
| 3 | Freedom Mortgage Corporation | 97% | 68 / 70 | 79% | $315K | 54 |
| 4 | United Wholesale Mortgage, LLCBroker only | 95% | 62 / 65 | 97% | $345K | 60 |
| 5 | Rocket Mortgage, LLC | 88% | 45 / 51 | 93% | $275K | 42 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 76 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest mortgage refinance lenders in Pennington County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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